What strategy do you use to store, manage and keep yourpasswords secure? It is a common problem that companiesare developing strategies to devise and make profits. Topicone offers comments on software for managing securepasswords.

When we travel now we realize baggage fees could amount to a quarter of the airline cost.It is one logical reason to fly the no-bag-fees airlines or acquire a credit card that hasbags fly free. Other strategies to keep costsdown are cited.

We all like it when our investments increase. Sometimesthey don’t. Even still we know that we can sell at a lossand reduce the loss impact via a taking a loss. Despitenot wanting to take a loss, sometimes it is a solidaction.

Microbiome updates. I think these two are worthlooking at.

MANAGING YOUR SITE PASSWORDSSOURCE: WSJ 12-10-14, p. D1 Personal Technology,“New Way to Secure Passwords all at once?The article promotes Dashlane to do something weall face– manage our site passwords for computers,cellphones, and tablets. The comments to this articleoffer both problems with Dashlane and alternatives.

An oldschool approach is to write them down on anotebook in your desk that you constantly update.This gets to be 5-6 pages long.

Worth looking at if you are traveling soon,have a baggage problem and it is “on your dime.”

END OF YEAR INVESTMENT LOSSESSOURCE: J. Burton, WSJ 12-8-14. p. R4“How to be smart about your losses“Article talks a little about the psychological challenge of taking a loss. In offsetting capitalgains, it can be worthwhile.

The article points out where you might havelosses. Then it addresses your investmentstyle after the run-up in stocks this year.

Echoing a similar theme is Bob Stevenson’s editorial that speaks to the lifelong effects of antibiotics and a helpful precaution on personalsafety– wearing gloves, use of hand sanitizers,and hand washing. Good conscientious reading!